Can I Get a Loan Against My Tax Refund?


Editor’s Note: While our Refund Advance loan offer has ended, you can still read about the benefits of working with our Tax Pros to get your maximum refund with H&R Block.


You could wait patiently for your tax refund during tax season. It’s part of the process, right? And, while you are waiting, life is happening. There are bills due and unexpected expenses to pay. If unexpected events come up, you may be wondering, “is there a faster way to get access to money?”

We understand the impact any delay on your refund may have on your finances, and that’s why we offered Refund AdvanceDisclaimer number109. Scroll to bottom of page. at H&R Block. With an interest-free loan on your tax refund through H&R Block, you could have received up to $3,000 the day you file your return.

What is a tax advance loan, exactly? A refund advance at H&R Block is an ideal way to get money sooner and not have to worry about the time it takes the IRS to issue your refund. While the money is not your actual refund, this type of loan is repaid from your refund.

Tax Advance Loan Fact vs. Fiction

If a loan of up to $3,000 against your tax refund sounds too good to be true, you may be wondering what’s the catch? And, seriously, who offered such a generous tax advance loan? Take a look as we uncover the facts behind the Refund Advance loan that was offered in H&R Block tax offices. Spoiler alert — it was the real deal.

Fiction – It took a long time to get approved and receive a tax advance loan.

Fact – You could have received your Refund Advance the same day you filed. You would have left our office with an H&R Block Emerald Prepaid Mastercard® and approved applicants would have been notified by text or email when the loan amount was loaded to the card — typically the same day.


Fiction – It was probably only a limited number of people who got approved.

Fact – While not everyone was approved, the Refund Advance loan program at H&R Block had high approval rates. To be approved, you must have passed certain eligibility requirements (such as ID verification and a sufficient refund amount), and then the lender’s underwriting requirements.


Fiction – My credit score would have been affected if I applied for a Refund Advance loan.

Fact – As part of the application process, Axos BankTM (the lender for Refund Advance) would have reviewed your credit report, but the review would not have impacted your credit score. So, you could have applied for a Refund Advance without worrying about any impact to your credit score.


Fiction – There was a cost to apply for the tax advance loan.

Fact – There were no fees to apply. Plus, the money you would have received was yours at 0% interest. Really!


Refund Advance and Much More at H&R Block

When you choose us to file your return, you can trust you’ll always get your maximum refund — guaranteed.Disclaimer number84. Scroll to bottom of page.

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